Civic Intelligence

Instep Credit Union

990 • Fiscal year 2016 • EIN 72-0456989

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 28, 2017

Organization Profilewww.nasjrb.org

View Organization Page

400 Russell Ave Bldg 509New Orleans, LA 70143-5999

(504) 678-9994

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

10th percentile

11.12x

Higher debt load relative to revenue than 10% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

62nd percentile

11%

Higher net margin than 62% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

33rd percentile

$82,227

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

67th percentile

4.8%

Faster asset growth than 67% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

44th percentile

2.2%

Faster revenue growth than 44% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$29,226,430

Up $1,329,546 (+4.8%) from 2015

Net Assets

Up

$2,670,707

Up $251,734 (+10%) from 2015

Liabilities

Up

$26,555,723

Up $1,077,812 (+4.2%) from 2015

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin62nd percentile

Revenue

Up

$2,387,980

Up $50,387 (+2.2%) from 2015

Expenses

Down

$2,136,246

Down $229,444 (-9.7%) from 2015

Net Income

Up

$251,734

Up $279,831 (+996%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth67th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60M$40M$20M$0Assets 2010: $35,115,149Liabilities 2010: $32,503,479Net Assets 2010: $2,611,6702010Assets 2011: $31,822,514Liabilities 2011: $29,443,102Net Assets 2011: $2,379,4122011Assets 2012: $30,393,476Liabilities 2012: $27,874,773Net Assets 2012: $2,518,7032012Assets 2013: $28,285,307Liabilities 2013: $25,756,650Net Assets 2013: $2,528,6572013Assets 2014: $27,937,418Liabilities 2014: $25,490,348Net Assets 2014: $2,447,0702014Assets 2015: $27,896,884Liabilities 2015: $25,477,911Net Assets 2015: $2,418,9732015Assets 2016: $29,226,430Liabilities 2016: $26,555,723Net Assets 2016: $2,670,7072016Assets 2017: $29,775,128Liabilities 2017: $26,760,353Net Assets 2017: $3,014,7752017Assets 2018: $29,852,004Liabilities 2018: $26,629,952Net Assets 2018: $3,222,0522018Assets 2019: $36,955,865Liabilities 2019: $31,458,130Net Assets 2019: $5,497,7352019Assets 2020: $42,768,365Liabilities 2020: $36,095,385Net Assets 2020: $6,672,9802020Assets 2021: $49,385,584Liabilities 2021: $41,938,551Net Assets 2021: $7,447,0332021Assets 2022: $49,616,390Liabilities 2022: $41,796,711Net Assets 2022: $7,819,6792022

Highlighted filing

2016

Assets$29,226,430
Liabilities$26,555,723
Net Assets$2,670,707
Open 2016 Filing

Operations Trend

Revenue Growth44th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,707,5112010Expenses 2011: $2,546,8682011Expenses 2012: $2,203,2352012Revenue 2013: $2,349,985Expenses 2013: $2,340,031Net Income 2013: $9,9542013Revenue 2014: $2,337,126Expenses 2014: $2,418,713Net Income 2014: -$81,5872014Revenue 2015: $2,337,593Expenses 2015: $2,365,690Net Income 2015: -$28,0972015Revenue 2016: $2,387,980Expenses 2016: $2,136,246Net Income 2016: $251,7342016Revenue 2017: $2,630,516Expenses 2017: $2,286,448Net Income 2017: $344,0682017Revenue 2018: $2,959,239Expenses 2018: $2,751,962Net Income 2018: $207,2772018Revenue 2019: $3,643,376Expenses 2019: $3,125,186Net Income 2019: $518,1902019Revenue 2020: $4,143,620Expenses 2020: $2,968,375Net Income 2020: $1,175,2452020Revenue 2021: $4,237,130Expenses 2021: $3,463,077Net Income 2021: $774,0532021Revenue 2022: $4,296,522Expenses 2022: $3,923,876Net Income 2022: $372,6462022

Highlighted filing

2016

Revenue$2,387,980
Expenses$2,136,246
Net Income$251,734
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 28, 2017
Return Version
2016v3.0
Gross Receipts
$2,387,980
Mission and Program Overview

Mission

To encourage thrift among it's members, creating a source of credit at fair and reasonable rates of interest, providing other financial services, and providing an opportunity for its members to use and control their own money on a democratic basis.

To encourage thrift among its members, creating a source of credit at fair and reasonable rates of interest, providing other financial services, and providing an opportunity for its members to use and control their own money on a democratic basis.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$18,538,713$20,403,015▲ $1,864,302
Savings and Temporary Cash Investments$7,029,334$6,373,367▼ $655,967
Cash and Non-Interest-Bearing Accounts$865,614$1,038,068▲ $172,454
Land, Buildings, and Equipment, Net$1,052,863$971,823▼ $81,040
Prepaid Expenses and Deferred Charges$89,478$99,830▲ $10,352
Accounts Receivable$19,703$30,527▲ $10,824
Total Assets$27,896,884$29,226,430▲ $1,329,546
Other Assets Total$301,179$309,800▲ $8,621
Liabilities
Other Liabilities$25,393,479$26,425,388▲ $1,031,909
Accounts Payable and Accrued Expenses$84,432$130,335▲ $45,903
Total Liabilities$25,477,911$26,555,723▲ $1,077,812
Net Assets / Fund Balance
Unrestricted Net Assets$2,418,973$2,670,707▲ $251,734
Total Net Assets Fund Balance$2,418,973$2,670,707▲ $251,734
Total Liabilities and Net Assets / Fund Balance$27,896,884$29,226,430▲ $1,329,546

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$49,221$590,040-
Leasehold Improvements$922,602$493,049-
Other Assets Org$60,155--
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Helen DelinPresident & CEOFT$82,227$82,227
Joyce KelleyChief Financial OfficerFT$54,919$54,919
Rachel BurmasterChief Operations OfficerFT$44,195$44,195

Board Members and Trustees

NameTitle
Emanuel StevensonChairman
Steven NelsonVice Chairman
Gerald Raynal JrDirector
Nancy WolfeDirector
Tami PrineMember of BOD
Jesse HasemkampfSecretary
Ronald MelnykTreasurer BOD
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$32,840
Other Revenue
$2,355,140
Change in Net Assets
$251,734
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,472,454
Salaries, Compensation, and Employee Benefits$663,792
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$362,473
All Other Expenses---$317,981
Current Officers, Directors, Trustees, and Key Employees---$181,341
Fees for Services Legal---$127,918
Other Expenses$119,981--$119,981
Depreciation Depletion---$111,045
Interest---$70,477
Other Employee Benefits---$64,390
Advertising---$49,105
Payroll Taxes---$40,940
Occupancy---$36,900
Fees for Services Accounting---$32,599
Conferences and Meetings---$24,679
Pension Plan Contributions---$14,648
Office Expenses---$13,647
Fees for Services Other---$4,859
Total Functional Expenses$0$0$0$2,136,246
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$26,425,388
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Active duty and active reserve members of the military; retirees of the military ; federal civil service employees; credit union employees; and immediate families of these groups.”

Member election for additional members Part VI line 7A

“Members vote to seat Board of Directors. Board of Directors are charged with governing the Credit Union.”

Form 990 governing body review Part VI line 11

“CPA firm hired to prepare Form 990. Management reviews 990 prior to filing.”

Conflict of interest policy compliance Part VI line 12C

“Annual review of policy and requirements with officers, directors, and key employees.”

Other officer or key employee compensation Part VI line 15B

“Board of Directors reviews comparability data and CUNA compensation data for determining compensation of CEO.”

Governing documents etc available to public Part VI line 19

“The Organization makes governing documents, policies, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
NAS JRB Credit Union
EIN
72-0456989
Address
400 Russell Ave Bldg 509, New Orleans, LA 70143-5999

Signing Officer

Name
Helen Delin
Title
President CEO
Phone
5046783563
Signed
2017-03-28
Discuss with paid preparer
Yes

Organization Details

Formed
1948
Legal Domicile
La
Voting Board Members
7
Independent Board Members
7
Employees
16

Preparer

Firm
Griffin & Company LLC
Address
P O Box 983, Mandeville, LA 70470
Preparer
Stephen M Griffin CPA
Phone
9857279924
Supplemental Narrative

Additional Explanations

List of other expenses Part IX line 24E

“See Overflow Statement for a list of other expenses.”

Raw XML Appendix358 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/SavingsAndTempCashInvstGrp/EOYAmt06373367
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0922602
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0493049
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt01415651
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0249645
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt160155
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Accrued Income - Loans
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt049221
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0590040
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0639261
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt026425388
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0971823
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0309800
IRS990ScheduleD/TotalLiabilityAmt026425388
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Active duty and active reserve members of the military; retirees of the military ; federal civil service employees; credit union employees; and immediate families of these groups.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote to seat Board of Directors. Board of Directors are charged with governing the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CPA firm hired to prepare Form 990. Management reviews 990 prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Annual review of policy and requirements with officers, directors, and key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board of Directors reviews comparability data and CUNA compensation data for determining compensation of CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Organization makes governing documents, policies, and financial statements available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6See Overflow Statement for a list of other expenses.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6List of other expenses Part IX line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt027896884
IRS990/TotalAssetsEOYAmt029226430
IRS990/TotalAssetsGrp/BOYAmt027896884
IRS990/TotalAssetsGrp/EOYAmt029226430
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02136246
IRS990/TotalGrossUBIAmt038453
IRS990/TotalLiabilitiesBOYAmt025477911
IRS990/TotalLiabilitiesEOYAmt026555723
IRS990/TotalLiabilitiesGrp/BOYAmt025477911
IRS990/TotalLiabilitiesGrp/EOYAmt026555723
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02418973
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02670707
IRS990/TotalOtherCompensationAmt00
IRS990/TotalReportableCompFromOrgAmt0181341
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02349527
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02387980
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt038453
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt027896884
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt029226430
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UnrestrictedNetAssetsGrp/BOYAmt02418973
IRS990/UnrestrictedNetAssetsGrp/EOYAmt02670707
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.nasjrb.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Helen Delin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05046783563
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NAS JRB Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0NASJ
ReturnHeader/Filer/EIN0720456989
ReturnHeader/Filer/USAddress/AddressLine1Txt0400 Russell Ave Bldg 509
ReturnHeader/Filer/USAddress/CityNm0New Orleans
ReturnHeader/Filer/USAddress/StateAbbreviationCd0LA
ReturnHeader/Filer/USAddress/ZIPCd0701435999
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F57AAD2E6B9BC6F6E3550801FE7667E23BA36E10
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F57AAD2E6B9BC6F6E3550801FE7667E23BA36E10
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId07268852017102z1o05ft
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-04-12
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.89.250.18
ReturnHeader/FilingSecurityInformation/IPDt02017-04-12
ReturnHeader/FilingSecurityInformation/IPTm000:19:57
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0721506949
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Griffin & Company LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O Box 983
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Mandeville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0LA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd070470
ReturnHeader/PreparerPersonGrp/PhoneNum09857279924
ReturnHeader/PreparerPersonGrp/PreparationDt02017-04-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Stephen M Griffin CPA
ReturnHeader/ReturnTs02017-04-06T11:51:12-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$29,226,430
Liabilities
$26,555,723
Net assets
$2,670,707
Revenue
$2,387,980
Expenses
$2,136,246
Net income
$251,734
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$49.6$41.8$7.82$4.30$3.92$0.37
2021Detailed filing. Detailed filing data is available for this year.$49.4$41.9$7.45$4.24$3.46$0.77
2020Detailed filing. Detailed filing data is available for this year.$42.8$36.1$6.67$4.14$2.97$1.18
2019Detailed filing. Detailed filing data is available for this year.$37.0$31.5$5.50$3.64$3.13$0.52
2018Detailed filing. Detailed filing data is available for this year.$29.9$26.6$3.22$2.96$2.75$0.21
2017Detailed filing. Detailed filing data is available for this year.$29.8$26.8$3.01$2.63$2.29$0.34
2016Detailed filing. Detailed filing data is available for this year.$29.2$26.6$2.67$2.39$2.14$0.25
2015Detailed filing. Detailed filing data is available for this year.$27.9$25.5$2.42$2.34$2.37$0.03
2014Detailed filing. Detailed filing data is available for this year.$27.9$25.5$2.45$2.34$2.42$0.08
2013Detailed filing. Detailed filing data is available for this year.$28.3$25.8$2.53$2.35$2.34$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.4$27.9$2.52$2.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$29.4$2.38$2.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.1$32.5$2.61$2.71